Canada Pension Plan (CPP) - Retirement Pension
About This Program
The Canada Pension Plan retirement pension is a monthly, taxable benefit that replaces part of your income when you retire. You must have made at least one valid contribution to the CPP to qualify. The standard age to begin receiving the pension is 65, but you can take a permanently reduced pension as early as age 60, or a permanently increased pension if you delay until after 65, up to age 70.
Am I Eligible?
To qualify for this program, you generally need to meet all of the following requirements:
- You must be 60 years of age or older
- You must have made CPP contributions during your working years
- Your citizenship status must be one of: Canadian citizen, permanent resident
How Much Could You Receive?
Average amount; your actual benefit depends on your contribution history
0.6% reduction per month before age 65 (up to 36% reduction at age 60)
0.7% increase per month after age 65 (up to 42% increase at age 70)
How to Apply
Applications for this program are handled directly by the Government of Canada. Visit the official program page for application forms, required documents, and processing times.
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